And in Connecticut, Iowa, Rhode Island, and Tennessee, cardholders “must pay for every ATM inquiry or pay a denied transaction fee if they request cash when their balance is insufficient,” the study says.

Tennessee stands out for having the card with the most “junk fees,” the study says. Tennessee’s card, provided by JPMorgan Chase, charges $1 for initial ATM withdrawals, 40 cents for balance inquiries, and 25 cents whenever someone swipes the card at checkout. It’s one of just four states that doesn’t provide even one free ATM withdrawal per deposit.